Average homeowners insurance cost in Arkansas

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Home insurance in Arkansas costs an average of $3,948 per year for standard coverage.

Your actual cost depends on your dwelling coverage limit and the protection level you choose. Higher coverage means higher premiums. State Farm offers competitive rates in the state, making it a strong option to consider as you compare coverage levels.

Shop around and ask about discounts. Rates vary widely between insurers, and depend on factors like your home’s location, age, construction, roof condition, and claims history-so getting quotes specific to your address and comparing several companies helps you find the best deal.

Key Takeaways

Homeowners insurance costs an average of $3,948 a year, based on our data.
Of all the ZIP codes in Arkansas, 72207 has the most affordable home insurance rates at around $3,800 annually.
In Arkansas, State Farm provides the most affordable home insurance at an average annual premium of $3,195.

What is the average cost of homeowners insurance in Arkansas?

The average homeowners insurance premium in Arkansas is $3,948 per year. That figure is based on a policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

How much is home insurance in Arkansas? Cost by coverage level

Homeowners insurance in Arkansas costs $3,948 per year on average, based on a policy with $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.

However, if you increase the dwelling coverage limit from $300,000 to $400,000, you will pay $4,787 per year for homeowners insurance in Arkansas for $100,000 in liability protection and a $1,000 deductible.

The table below shows average homeowners insurance costs in Arkansas for dwelling coverage from $200,000 to $1 million.

Coverage	Average annual rate	Average monthly rate
$200,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,323	$277
$200,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,328	$277
$300,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$3,948	$329
$300,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$3,958	$330
$400,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$4,787	$399
$400,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$4,795	$400
$600,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$7,721	$643
$600,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$7,736	$645
$1,000,000 with $1,000 Deductible and $100,000 Liability and None Deductible	$12,424	$1,035
$1,000,000 with $1,000 Deductible and $300,000 Liability and None Deductible	$12,444	$1,037

Average home insurance cost in Arkansas by insurer

State Farm has the lowest average homeowners insurance premiums in Arkansas at $3,195 per year. Farm Bureau Insurance of Arkansas and Allstate also offer competitive rates worth comparing.

Taking the time to shop around can save you a significant amount each year.

The table below shows average annual and monthly rates from insurers in Arkansas, based on $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

Company	Average annual rate	Average monthly rate
State Farm	$3,195	$266
Farm Bureau Insurance of Arkansas	$3,367	$281
Allstate	$3,407	$284
Nationwide	$3,737	$311
Shelter Insurance	$4,075	$340
Auto-Owners	$5,525	$460
Farmers	$5,893	$491
Travelers	$12,444	$1,037
USAA*	$3,634	$303

*USAA is only available to military community members and their families.

How to lower your home insurance rate

Shop around. A single quote won’t tell you much. Comparing rates from three or four different insurers in Arkansas is the surest way to find a competitive price.
Bundle your policies. Pairing home and auto insurance, or renters and auto, with the same provider is a straightforward way to qualify for multi-policy discounts.
Ask about smart home discounts. Home security systems, smoke detectors, and leak detection devices are upgrades that many insurers reward with lower premiums.
Check for other savings. It’s worth asking your insurer about loyalty discounts, claims-free incentives, and credits for improvements like fire-resistant roofing materials.

How does your ZIP code affect home insurance rates in Arkansas?

Your ZIP code is one of the biggest factors in your home insurance rate, because it tells the insurer how much risk comes with your location. Areas with higher crime rates, frequent natural disasters, or high rebuilding costs are treated as higher-risk-and that pushes premiums up.

Below are the most affordable and most expensive ZIP codes for home insurance in Arkansas

Most affordable ZIP codes for home insurance in Arkansas

The lowest rates in Arkansas are found in 72207, where homeowners pay an average of $3,800 per year.

Where you live in Arkansas has a real impact on what you’ll pay for home insurance – and your ZIP code is one of the largest drivers of that difference.

Below are average homeowners insurance rates for some of the most affordable ZIP codes in Arkansas.

ZIP code	Average annual rate	Average monthly rate
72207	$3,800	$317
72205	$3,829	$319
72113	$3,883	$324
72116	$3,911	$326
72223	$3,931	$328
72227	$3,943	$329
72758	$3,944	$329
72212	$3,954	$330
72211	$3,958	$330
72118	$3,977	$331

Most expensive ZIP codes for home insurance rates in Arkansas

72540 has the highest rates in Arkansas at an average of $6,075 per year.

Home insurance costs more in certain ZIP codes due to higher crime rates, natural disaster risk, and living costs.

Below, we’ve highlighted some of the most expensive ZIP codes in Arkansas for home insurance:

ZIP code	Average annual rate	Average monthly rate
72540	$6,075	$506
72577	$6,036	$503
72573	$6,030	$502
72536	$5,957	$496
72517	$5,857	$488
72475	$5,824	$485
72322	$5,801	$483
72387	$5,755	$480
72075	$5,713	$476
72341	$5,703	$475

Home insurance rates vary from one city to another. But with Insure.com, finding the right home insurance policy is easy. Learn more about homeowners insurance costs for different cities below.

Home insurance rates in Arkansas by city

See rates in your city

What are the best homeowners insurance companies in Arkansas?

Based on our data, Farm Bureau Insurance of Arkansas stands out as a top choice in Arkansas. It earns an AM Best rating of A and one of the lowest NAIC complaint scores in the state-a combination that points to both financial stability and customer satisfaction.

To identify the most reliable insurers, we weighed two key metrics:

AM Best Rating, which evaluates a company’s financial strength and its ability to pay out claims.
NAIC Complaint Score, which reflects how many complaints a company receives relative to its size, so a lower score signals fewer problems.

Together, these metrics help you determine an insurer’s financial stability and customer satisfaction. The table below breaks down the best companies in Arkansas by average annual premium, financial rating, and complaint history.

Company	Average annual premium	AM Best rating	NAIC Complaint Index	Overall score
Farm Bureau Insurance of Arkansas	$3,367	A	0.04	5
Shelter Insurance	$4,075	A	0.42	4.32
Auto-Owners	$5,525	A++	0.33	4.31
Farmers	$4,548	A	0.54	4.06
State Farm	$3,195	A++	0.95	3.92
Allstate	$3,407	A+	0.9	3.87
Nationwide	$3,737	A+	0.87	3.84
Travelers	$9,591	A++	0.54	3.22

How to understand insurer ratings and complaint data

When choosing an insurer, you want to know if the company can pay your claim, and if customers are satisfied with it. Rating agencies track this data so you can make an informed decision at renewal.

Here are the two ratings that we have referred to:

AM Best: A global agency that rates insurers based on their financial strength and ability to pay claims. A higher score means the company is more financially stable.
NAIC Complaint Index: The National Association of Insurance Commissioners tracks consumer complaints. A score below 1.00 means fewer complaints than expected for a company of that size, while a score above 1.00 means more complaints than expected.

What factors affect your home insurance rate?

Home insurance rates come down to how much risk you represent to the insurer. The main factors they weigh:

Where you live. Local crime, weather risk, and how often neighbors file claims.
Your claims history. Past claims usually raise your rate.
Your credit-based insurance score. Weaker credit can mean a higher premium (restricted in some states, like California and Massachusetts).
Your coverage limits and deductible. More coverage or a lower deductible costs more.

Rates have also been climbing across the board. Home insurance premiums for owner-occupied homes rose more than 11% nationwide in 2023, according to S&P Global Market Intelligence’s RateWatch application.

Resources and methodology

Source

S&P Global. US homeowners insurance rates jump by double digits in 2023. Accessed June 2026.

Methodology

Insure.com worked with Quadrant Information Services to compile homeowners insurance data, analyzing 20,739,560 quotes from 82 national and regional insurers across 34,588 ZIP codes.

Rates are based on a sample homeowner profile with good credit and the following coverage:

$300,000 dwelling coverage
$100,000 liability protection
$1,000 deductible

Company rankings factor in average annual cost, NAIC score, and AM Best rating. All quoted rates are for comparison purposes and individual premiums may vary.

Alisha Ambre

Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.